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Nikunj Saraf | Answer |Ask -Follow

Mutual Funds Expert - Answered on Nov 11, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by Kiran on Nov 11, 2022Hindi

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Age 45. Currently I am investing 25k in SIP.I can take my SIP upto 50k per month. My goal is 2cr in next 13 years.

PFB my current SIPs:

Tata Digital India Fund Direct Growth -- 3000

Parag Parekh Conservative Hybrid Fund Direct Growth -- 2000

Aditya Birla Sun Life Tax Relief 96 Direct Growth -- 3000

Mirae Asset Emerging Bluechip Fund Direct Growth -- 2000

DSP Tax Saver Direct Plan Growth -- 5000

IIFL Focussed Equity Fund Direct Growth -- 5000

Parag Parekh Flexi Cap Fund Direct Growth -- 5000

Ans: Hello Kiran. With your current portfolio allocation, I would suggest shuffling and rebalancing your portfolio. For future sips, you may consider considering few schemes like ABSL Tax and Parag Parikh Flexi Cap Fund. To add more sips, try adding to the modified portfolio. It is not suggested to increase the current number of schemes. To achieve the corpus of 2Cr in next 13 years, the required sip amount is 50 k approx which you are already willing to start.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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I am 46 years old now and estimating a requirement of approx 2 Cr at the age of 58. I am continuing below mentioning SIP from the last two years. Need you valuable suggestions to achieve my target. SIPs are for Total Amount of 33000/ month Axis Focused 25 Fund - Growth -- 2500 Aditya Birla Sun Life Frontline Equity Fund - Growth -- 2500 HDFC Hybrid Equity Fund - Regular Plan - Growth -- 5000 Axis Bluechip Fund - Growth -- 2500 Axis Growth Opportunities Fund - Growth -- 2500 DSP Mid Cap Fund - Growth -- 3000 HDFC Small Cap Fund - Regular Plan - Growth -- 3000 IDFC Focused Equity Fund - Growth -- 3000 L&T Emerging Businesses Fund - Regular Plan – G -- 3000 SBI Blue Chip Fund - Growth -- 3000 UTI Flexi Cap Fund - Growth -- 3000

Ans: This seems to be within reach in 14 years (2 years prior and 12 years hence forth).

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I am 41, my sip portrolio is as below: 1. Icici pru bluechip: 1000/month sip 2.hdfc midcap opportunities: 100/bz day sip 3.sbi small cap: 4000/month sip 4.hdfc small cap: 65954 lumpsum 5.parag parik flexicap: 20000 lumpsum 6.sbi focused fund: 2500/month sip 7.hsbc value fund: 2500/montb sip 8.icici equity and debt: 1000/month sip 15% increment yearly 9. Icici technology fund: 1000/month sip 15 c/o yearly increment 2 balanced fund icici baf and hdfc baf 50000 rs lumpsum each Risk appetite: high, investment horizon; 20 years Goal: accumulate max amount 10 cr if possible.

Ans: Hello , as I can see your time horizon is 20 years so you can take some volatility in your portfolio.
You should go for the following allocations :
Small cap 30% , mid cap 30% , multi cap 15% , large and mid cap 15% , thematic funds ( consumption, tech, etc ) 10%
If you want to accumulate 10crs in 20yrs your sip amount has to be Rs.101000 at the rate of 12% xirr

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Question by DIPAK - Sep 29, 2023Hindi

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Sir, I am 55, following are my SIPs per month: 1. Canara Robeco Emerging Equities Direct Growth- Rs. 2000/- 2. Kotak Equity Opportunities Fund Direct Growth- Rs. 2000/- 3. SBI Flexicap Fund Regular Plan Growth- 2000/- 4. SBI Blue Chip Fund - Regular Plan Growth-5000/- 5. HDFC Mid cap Opportunity Fund - Regular Plan Growth- 2000/-. Kindly advice. Also, I would like to invest more 10,000/- per month in SIP. Please suggest where should i invest.

Ans: It's great that you're investing your monthly surplus in SIPs to build your wealth.

You have a well-diversified portfolio and the funds in your portfolio are performing well in the current market scenario. In the finance planning of any portfolio, it is also important to consider many factors, including client age, risk profile, current asset allocation, etc.

As you’re 55 years of age and already have a high allocation of equity in your portfolio, for the additional investment, I suggest you start investing in a Balanced Advantage Fund and Equity Saving Fund to make your portfolio a bit conservative.

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Asked by Anonymous - Apr 26, 2024Hindi

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Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.

Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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